Terms of Use

Last updated: June 2026

Welcome to Real Salary (https://realsalary.co.uk). By accessing and using this website, you agree to be bound by the following terms and conditions. If you do not agree with any part of these terms, please do not use this website. These terms are governed by the UK General Data Protection Regulation (UK GDPR), the Data Protection Act 2018, and the Privacy and Electronic Communications Regulations 2003 (PECR).

1. Purpose of the Website

Real Salary is an independent information platform providing free online tools for calculating take-home pay, income tax, National Insurance contributions, student loan repayments, pension contributions, and other PAYE-related estimates for the United Kingdom. The website also publishes informational guides about the UK tax system. All tools and content are provided for informational and educational purposes only and do not constitute professional tax, legal, or financial advice.

2. Estimates Only

All calculations on this site are estimates based on standard PAYE rules and HMRC published rates for the current tax year. Your actual take-home pay may differ due to factors including but not limited to: benefits in kind, employer-specific pension arrangements, overtime, bonuses, HMRC adjustments to your tax code, Scottish or Welsh income tax rates, and self-assessment obligations. Tax legislation is subject to frequent amendments, and individual circumstances can affect actual outcomes.

3. Not Financial Advice

This website does not provide financial, tax, or legal advice. The information is provided for general informational purposes only. The calculations, results, and content do not constitute professional advice of any kind. For advice specific to your circumstances, consult HMRC, a chartered accountant, or a qualified tax advisor. We recommend verifying results via the official HMRC tax calculator.

4. Privacy and Data Protection

All calculations are performed entirely in your browser using client-side JavaScript. No salary data, tax code selections, or other personal financial information is transmitted to our servers. We use Plausible Analytics, a privacy-friendly service that uses no cookies and is fully UK GDPR compliant. See our full Privacy Policy for details.

5. Cookies and Local Storage

This website uses no tracking cookies. No advertising, profiling, or third-party cookies are placed. User preferences (such as dark/light mode) are stored in the browser's localStorage, which is not a cookie and is never transmitted to our servers. Cloudflare may use a strictly necessary security cookie (__cf_bm) for bot detection. Since no tracking cookies are used, a cookie consent banner is not legally required under PECR.

6. Accuracy

We make every effort to keep rates and thresholds up to date with the latest HMRC publications. However, we cannot guarantee that all information is accurate, complete, or current at all times. Tax rates, thresholds, and allowances may change during a tax year. Use at your own risk and always verify with official sources.

7. User Responsibilities

Users agree to use this website in a lawful manner and in accordance with these terms. Users shall not: (a) use the website for any illegal or unauthorised purpose; (b) attempt to gain unauthorised access to any part of the website, its servers, or any connected systems; (c) reproduce, distribute, or modify any content without prior written authorisation; or (d) use automated systems to extract data from the website (scraping) without express permission.

8. Intellectual Property

All content, design, code, logos, calculation algorithms, and trademarks on this website are the property of Mottalib Radif and are protected by copyright under the Copyright, Designs and Patents Act 1988. Users may access and use the website for personal, non-commercial purposes only. Any other use requires prior written consent. Brief quotations for informational purposes are permitted provided the source is credited.

9. UK GDPR Rights

Under the UK GDPR and Data Protection Act 2018, you have the right to access, rectify, erase, restrict processing, data portability, object to processing, and withdraw consent at any time. Since no personal data is collected through our calculators, these rights are satisfied by default. You have the right to lodge a complaint with the Information Commissioner's Office (ICO) at ico.org.uk. For enquiries, contact us at contact@realsalary.co.uk.

10. Limitation of Liability

To the fullest extent permitted by law, Real Salary and its operators shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from the use of or inability to use this website, including but not limited to damages resulting from reliance on calculation results or informational content. The website is provided on an "as is" and "as available" basis without warranties of any kind, express or implied.

The publisher is not responsible for data loss, service interruptions, or damages to user equipment resulting from the use of the website.

11. External Links

This site may contain links to external websites, including gov.uk, HMRC, and other authoritative sources. The publisher has no control over the content of these sites and disclaims all responsibility for their content, privacy practices, or availability.

12. Governing Law

These terms are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from the use of this website shall be subject to the exclusive jurisdiction of the courts of England and Wales, after any attempt at amicable resolution. The potential invalidity of any clause shall not affect the remaining provisions.

13. Changes and Contact

We may update these terms at any time. Continued use of the site constitutes acceptance of the current terms. For questions, contact us at:
Email: contact@realsalary.co.uk